UNIVERSITY OF RHODE ISLAND STANDARD INSURANCE REQUIREMENTS
Vendors and contractors doing business with the University or organizations using University premises or facilities should carry their own insurance to protect their own interests from allegations of bodily injury or property damage liability caused by their own negligence. Certificates of Insurance, which provide evidence that such coverage is in place, should be requested from all entities before engaging their services or permitting them to use University premises or facilities. The The Rhode Island Board of Education, The University of Rhode Island, and The State of Rhode Island should be listed as additional insureds on the certificate. Entities with which University departments do business may sometimes request such proof of University insurance coverage.
The Department managing the contract or requesting services is responsible for maintaining the certificates of insurance. Therefore, it is important that the contractor/vendor is provided the name and contact information of the individual responsible for the contract maintenance so the Certificate can be sent directly to the appropriate person. The Certificates of Insurance should be kept in the department’s file for a minimum of 3 years. It is important to check the expiration dates of the insurance policies to be sure Certificates of Insurance are maintained throughout the life of the contract.
Below are the minimum standard requirements. The University of Rhode Island reserves the right to consider and accept alternative forms and/or limits of insurance.
|Commercial General Liability ||Limits|
|Bodily Injury|| $1,000,000 each occurrence
$2,000,000 annual aggregate
|Property Damage|| $500,000 each occurrence
$500,000 annual aggregate
|Medical Expense ||$10,000|
|Personal & Advertising Injury||$1,000,000 (with Employee Exclusion deleted)|
|Automobile Liability Insurance-Combined Single limit|
Property Damage, and in addition non-owned and/or hired vehicles and equipment
| $1,000,000 each occurrence
|Worker's Compensation (Coverage A)||Statutory Limits|
- Insurance company must be licensed to do business in the State of RI.
- Deductibles and/or self-insured retentions as respects any loss or damage caused in whole or in part by the insured’s acts or omissions and/or acts or omissions of those acting on behalf of the insured must be noted on the Certificate of Insurance. Insured is responsible for any deductibles and/or self-insured retentions as respects any loss or damage caused in whole or in part by the insured’s acts or omissions and/or acts or omissions of those acting on behalf of the insured.
- The University of Rhode Island’s Risk Manager will be provided at least 30 days’ written notice of any cancellation or significant changes to policies noted on the certificate of insurance.
**********ADDITIONAL REQUIREMENTS FOR FOOD VENDORS / CATERERS **********
In addition to the above Standard Requirements, copies of the following documentation are to be provided to URI’s Risk Manager.
- Current license and food handling certification from the RI Department of Health
- Waiver from URI Dining Services